College Football -- Week 12 betting nuggets to know

Week 2 College Football Picks - Free NCAAF Expert Picks from The LEGEND to Bet on for Saturday 9/12/20

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2019 College Football Picks Week 12 - Free NCAAF Betting Predictions for Saturday 11/16/19

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Top Betting Picks for College Football Week 12 and NFL Week 11

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🏈 The College Football Betting Show (Week #12 – College Football Picks)

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🏈 The College Football Betting Show (Week #12 - College Football Picks and Predictions)

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2019 College Football Picks Week 7 - Free NCAAF Betting Predictions for Saturday 10/12/19

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2019 College Football Week 7 Odds & Lines – Betting Odds for NCAAF Week 7 Games(10/9-10/12)

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Bet On It - College Football Picks and Predictions, Line Moves, Barking Dogs and Best Bets (Week 12)

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Bet On It – College Football Picks and Predictions for Week 12

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Marquee 3: Colin Cowherd's Best College Football Bets For Week 12 (Nov. 14)

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[Sports] - College football betting Week 12: Fade SEC teams during their annual November siestas?

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College Football Bets Week 12

TCU/Oklahoma St. over 70.5 - I am really surprised this total wasn't 100 to be honest. Any match up in the big 12 that is in the low 70's is worth a look at. Both teams will put up points, and both teams play with 9 players on defense. I can't imagine both teams not getting into the 40's let alone the 50's.

Arkansas/Mississippi St. over 60 - I save the unders for the NFL, and look for the good overs in the NCAA. Arkansas is bad on defense, and really bad at stopping the run. Miss St is about the same. Both teams can put up points though. It's almost like a big 12 match up but getting 10 extra points. I figure there is some edge there.

Usc -10.5 and UCLA +13.5 - I took USC early in the week and immediately regretted it. I always forget not to bet the heavy favorite in rivalry games, especially when they are on the road. Lucky enough for me the line jumped to 13.5 and I took UCLA for a chance to middle. I really don't have a feel on which way this game will go, but I got a 3 point window to hit an awkward score.

*Houston +14.5 Saw this one a mile away. I remember the nerds on ESPN talking about this game at the beginning of the year, discussing Houston's chances of getting to the playoff. They said Louisville would be favored by 3. I think the line actually jumped to 17 before game time. Wish I would have taken the Money Line.

Northwestern -1 @ Minn - I was lucky to get this game early because I think it's up to about 2.5 or 3 now. Minnesota has played teams close, but Northwestern has actually beaten teams. The Gophers have taken care of an easy non conference and beat up on the bottom of the Big 10. Their 3 losses are to Nebraska, Iowa, and Penn St. They are the definition of average, but because of their favorable schedule they are already bowl eligible. Meanwhile Northwestern needs a win this week to be bowl eligible and a win next week against Illinois to lock it in for sure. northwestern is the better team with some good motivation, and that's good enough for me to back a slight favorite.

Wvu +3 vs Oki - I have a theory that I am testing out that home underdogs in big time national games at night play way above their talent level. (examples Houston hosting Louisville and demolishing them, Penn st. upsetting Ohio St with their D line running circles around OSU's O line at the end of the game, Wisconsin almost pulling the upset hosting OSU, Iowa knocking off Michigan...) Basically in games like these the student section is so juiced up on Bud Ice and emotion that it carries over to the players adding an almost indescribable amount of adrenaline. Morgan Town will be rocking. Oklahoma is good, but not that good. Their offense looks great against Big 12 swiss cheese defenses, but West Virginia is one of the two teams in the conference that plays D. I wish WVU was getting more points because I believe Oklahoma has more players going to the NFL. To be honest Oklahoma does have the talent to blow this game up. I'll take my chances though. Baker Mayfield is a less talented less cool version of Johny Manziel.

Duke +7 @ Pitt - Duke has a good defense and a sup par offense. Pitt has a good offense with a sup par defense. Seems like it could go either way so I'll take the points. Also, Duke needs two straight wins to become bowl eligible and Pitt just came off a big win so they might be flat.

Nc state +3 vs miami - Pretty even match up up. Nc State can put up points, and give them away just as quickly. Miami is pretty average on both side of the ball. Home team getting points in a pretty even match up is good enough for me.

Miami/nc state 51o - Because of NC St I can't imagine this will be a defensive struggle. They have played Louisville, Clemson, and Florida St. 3 out of the last 5 weeks, and they had a nasty game in the rain with Notre Dame. My point is that their PPG on the year is lower than average because the level of competition. NC State needs one win to become bowl eligible and they have the fire power on offense to score 50 themselves. I believe this total is low because the power rating aren't accounting for the quality of defenses they faced recently. They also aren't great on defense, and it wouldn't be crazy if Miami scored 50 themselves too. I don't think it will be a Big 12 shoot out, but I think this game could play out in multiple ways that allow the total to hit.

Kansas st ML @ Baylor - I was considering this game before I found out Baylor's starting QB was out for the game. They have a freshman starting instead. I was wondering when the loss of Art Briles would start to show if at all, and in my opinion Baylor's 3 game skid is a result of coaching. You see it all the time in College Football. Whether it be Meyer or Peterson or Harbaugh or that dude from Western Michigan, coaching can make a big difference in wins and losses. Meanwhile Kansas St. is trending up. They play relatively good defense for a Big 12 team, and they seem to be moving the ball a lot better on offense as of late too. This number seems like it's wrong, but I think the public bets Baylor heavy just becuase of how explosive they have been on offense since the RG3 days. However, like RG3 the current QB is hurt and Art Briles is drinking lemonade on the front porch instead of stading on the sidelines.

UTSA +27.5 @ Texas a&m - So this is more of a Texas A&M is not that good and injured pick rather than my love for UTSA. I keep hearing about this UTSA team, yet I know little about them. I do know that Kevin Sumlin does not coach run defense, and their starting QB is out. The back up QB is probably a better athlete than anyone UTSA has, but it's just a lot of points for a team that has not played well at all recently, and has been exposed by good teams. I hate this pick because my brain tells me this is too many points, but my gut says A&M will put up 100. GAAAAAMBLIIIIINNN

I'm leaning on Florida, but they are missing two linebackers and a safety. Leaning on WSU, I'm just not sure how good Colorado is. I considered Michigan at -23, but now that number is more like -26.

I will probably take Virginia Tech, I am just waiting to get it at a better number. I'm letting the Notre Dame faithful bet that number as high as possible. Although Notre Dame can still become bowl eligible if they beat Virginia Tech, and Tech has been one of the most up and down teams all year........ but like always Notre Dame is greatly overrated. The rumors about Brian Kelly getting let go are hilarious. Even though he is a murderer he is a great football coach. Do they really think they are going to get someone better? Not that they can't attract big name coaches, it's just that Kelly took a Cincinnati team to the Sugar Bowl. Do they really think there are better coaches that are going to be available? I love it...... Anyway, Virginia Tech is extremely talented, and if their QB is healthy then I might pull the trigger.

Phil Steele said that San Diego St. is an auto-bet team in the Mountain West. I hate listening to gas bags on talk shows talk about teams that no one watches. I won't play this game, but I need to remind myself to check the score on this one. This game isn't a good spot because Wyoming is actually decent. They beat Boise this year, and they are getting 10 points at home. I don't know enough about either team, but if SDSU covers double digits on the road then i might take a flier on them next week.

I'm leaning on Cal getting 10.5 at home against Stanford. Cal is a much better team at home than on the road. Stanford isn't the highest scoring offense either. However, Cal's defense is bad and Stanford did put up 52 on Oregon last week. The total is at 64 which might be the better play.

I'm leaning on Utah -14 against Oregon. Ducks are bad and have noting to play for. My only worry is that Utah does not typically beat time by that much. They are more of an underdog play than a favorite play.
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NCAAF Daily Discussion - 10/12/20 (Monday)

NCAAF Chat: https://discord.gg/sportsbook | /sportsbook Rules | Sportsbook List | /sportsbook chat | General Discussion/Questions Biweekly | Futures Monthly | Models and Statistics Monthly | Podcasts Monthly |
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Trump's Election Day vaccine "miracle"

Welcome, dear readers, to my semi-regular coronavirus roundup.
Housekeeping:

EDIT: TRUMP ADMITTED TO KNOWING DANGER OF COVID WEEKS BEFORE ACTING

Bob Woodward's new book reveals that Trump was aware that the coronavirus was dangerous and "more deadly than even your strenuous flus" even as he publicly downplayed the threat and failed to act to save lives. (article now updated with audio of Trump's interview)
"This is deadly stuff," Trump told Woodward on February 7.
In a series of interviews with Woodward, Trump revealed that he had a surprising level of detail about the threat of the virus earlier than previously known. "Pretty amazing," Trump told Woodward, adding that the coronavirus was maybe five times "more deadly" than the flu.
Trump also admitted to intentionally downplaying the threat:
"I wanted to always play it down," Trump told Woodward on March 19, even as he had declared a national emergency over the virus days earlier. "I still like playing it down, because I don't want to create a panic."

Election day vaccine

A group of nine leading pharmaceutical and biotechnology companies pledged on Tuesday to only seek approval for Covid-19 vaccines demonstrated to be safe and effective.
The pledge comes as Trump hypes the possibility of a vaccine before Election Day. His timeline has been pushed forward from “by the end of the year” to “before November 1st” and, most recently, “during the month of October.”
During his Labor Day press-briefing-turned-campaign-event, Trump said: "[It's] going to be done in a very short period of time -- could even have it during the month of October” (clip).
Trump went on to explicitly ties the vaccine to his re-election schedule: “We'll have the vaccine soon, maybe before a special date. You know what date I'm talking about” (clip).
Despite saying the quiet part out loud himself, the president tried to cast Joe Biden and Kamala Harris as the ones politicizing the vaccine process: “They’re going to make the vaccine into a negative… They’re saying ‘wow, Trump’s pulled this off, let’s disparage the vaccine.’ That’s so bad for this country, that’s so bad for the world to even say that and that’s what they’re saying” (clip). Unfortunately, many media outlets have portrayed the issue as a “both sides” argument.
Federal officials and health experts say Trump’s Election-oriented timeline is unlikely. NPR spoke with Moncef Slaoui, chief adviser for the administration's vaccine development program, who said he expects to have "enough vaccine to immunize the U.S. population by the middle of 2021.”
Case in point, development on the vaccine Trump was rumored to be betting on, the AstraZeneca-Oxford project, was put on hold due to a suspected serious adverse reaction in a participant.
But the point may not be to have a vaccine fully available to the public; Trump can simply claim the “deep state” is holding things up, blaming Biden/Harris for the pandemic under his watch. Furthermore, experts say there is no way our government and existing infrastructure will be ready to distribute, administer, and track doses by November. Health departments will also need an infusion of federal aid, a proposal that seems out of reach with a Republican-controlled Senate afraid to spend any more money during the pandemic.
...many health departments are so overwhelmed with the current costs of the pandemic — such as for testing and contact tracing — that they can’t reserve money for the vaccine work to come. Health departments will need to hire people to administer the vaccines and systems to track them, and pay for supplies such as protective medical masks, gowns and gloves, as well as warehouses and refrigerator space.

America alone

Meanwhile, the U.S. is backing down from the global fight against the pandemic, further enshrining Trump’s “America First” perspective into official policy. The Trump administration declined to join a global effort to develop, manufacture, and equitably distribute a coronavirus vaccine, in part because the World Health Organization is involved. U.S. allies including Japan, Germany, and the European Commission back the effort.
“The United States will continue to engage our international partners to ensure we defeat this virus, but we will not be constrained by multilateral organizations influenced by the corrupt World Health Organization and China,” said Judd Deere, a spokesman for the White House.
  • Further reading: The Trump administration said it won't pay more than $60 million in dues it owes to the World Health Organization.
The U.S. Agency for International Development, in charge of distributing global assistance related to the pandemic, is shutting down its only pandemic-focused task force. Other agency bureaus and divisions will take on its functions.

Sturgis comes home

South Dakota (+120%), Iowa (+81%), and North Dakota (+66%) have seen the largest 2-week increase in COVID-19 cases in the last two weeks, compared to the two weeks before.
These three states were also the “epicenter” of the Sturgis motorcycle rally last month. The event packed nearly 500,000 people into a small town in South Dakota, with rallygoers attending from - and returning to - all around the country. Photos and reports from Sturgis documented a startling lack of face masks and social distancing precautions.
According to a new study, over 250,000 coronavirus cases can be contributed to the rally. Assuming a cost of $46,000/case, the authors estimated the rally cost $12.2 billion. “This is enough to have paid each of the estimated 462,182 rally attendees $26,553.64 not to attend,” they write.
SD, IA, and ND do not have statewide face mask mandates. In fact, the Dakotas are two of just five states that do not allow local officials to require masks (the others are ID, MO, and OK). Iowa Gov. Kim Reynolds has been told by the White House that the state’s outbreak is the steepest in the nation and urged officials to require mask-wearing statewide. Reynolds has yet to do so.

Alabama schools

Alabama has the fourth-most daily new cases per 100k people (after ND, SD, and IA) despite a statewide face mask order. The state has largely lifted all social distancing measures and has encouraged schools to reopen with in-person classes and sports. According to a NYT database, four-year universities in Alabama have over 4,000 coronavirus cases just weeks after opening.
The University of Alabama in Tuscaloosa accounts for over 1,300 of the cases. Professors at the school were reportedly told by the administration not to talk about the outbreak - not even to inform students if someone in their class tests positive. The mayor of Tuscaloosa let bars near the university reopen on Tuesday.
  • Further reading: Alabama is starting to see a payoff from its mask mandate, in place since mid-July. New covid cases have been cut in half over the past month and coronavirus patients admitted to hospitals fell to the lowest level since June.
  • Remember the news articles praising Trump’s new “tone” on masks? During Monday’s press conference, Trump tried to bully a reporter into taking off his face mask when asking a question (clip). The reporter, Jeff Mason of Reuters, refused. Apparently, this annoyed Trump so much that he was still griping about it on Twitter Tuesday (clip).

Trump pushes for sports

After weeks of haranguing schools to bring back sports, Trump has reportedly offered Big Ten football teams access to the national government’s reserve of rapid COVID-19 tests.
The new, cheaper […] tests could be the key that unlocks the door back to the Horseshoe and stadiums around the conference. And the White House might be willing to assist in that effort by potentially designating part of its supply to the Big Ten after buying 150 million rapid tests last week from Abbott Laboratories.
The president is so attached to the idea of college football resuming that he is pushing the Big Ten conference to go ahead without the participation of three schools, blaming the governors of Michigan, Illinois, and Maryland for the conference’s vote to cancel.

Mitch plays games

The Republican-controlled Senate is planning on voting on a scaled-down coronavirus relief package as early as this week. The “skinny” bill is unlikely to become law as Democrats feel it does not adequately address the magnitude of the crisis the nation is facing. McConnell is hoping a Senate vote on coronavirus aid - any aid - will help vulnerable Republicans up for re-election.
The Republican bill is expected to include a federal unemployment benefit, another round of Paycheck Protection Program (PPP) funding, and more money for coronavirus testing and schools, as well as liability protections from lawsuits related to the virus. McConnell didn't release a price tag for the forthcoming bill, but it is expected to be at least $500 billion — half of the $1 trillion package Republicans previously unveiled in late July.
One of the reasons - perhaps the main reason - for the breakdown of relief bill negotiations may be new White House Chief of Staff Mark Meadows. Rep. Gerry Connolly (D-Va.), who served with Meadows on the Oversight Committee, told The Hill:
“Closing deals is not Mark Meadows’s strong suit. His whole track record is: blow it up… If you ask yourself what’s the difference between April and May, when we did reach big, broad bipartisan consensus, and today, the variable is Mark Meadows.”

Miscellaneous news

Lost in the Sauce was so long this week that I had to omit a couple of sections. I’ll include them here instead.
Immigration: Federal Judge Dolly Gee ordered DHS to cease using hotels as detention facilities for migrant children it seeks to expel from the border.
Gee said the use of hotels for detention purposes violates the Flores agreement because the locations lack sufficient oversight, state licenses to hold minors and standards for the care of young children. Minors have also faced a "woefully inadequate" process to seek the help of lawyers, who have been barred from entering the hotels, Gee added, citing declarations from attorneys who said they struggled to reach detained children.
  • Further reading: “Watchdog confirms botched family reunifications kept migrant children waiting in vans overnight,” NBC; “Trump nominee had role in removing prosecutor opposed to family separations,” Guardian
Immigration: The Trump administration has drafted a proposal that would dramatically expand the number of people required to provide biometrics for their immigration applications, while also increasing the personal information the government can demand, such as eye scans, voice prints, DNA, and photographs for facial recognition.
Immigration: The Border Patrol made a dramatized YouTube video depicting a Spanish-speaking attacker stabbing and killing a man in a dark alley after escaping from U.S. agents - “a clip apparently created to dramatize President Trump’s depiction of migrants as fearsome criminals.” The agency removed the video following backlash.
Environment: The National Oceanic and Atmospheric Administration opened an inquiry earlier this year into whether Trump political appointees illegally weakened rules meant to protect whales from oil industry seismic airgun blasting. Then, just as quietly, it halted the probe.
Environment: The Trump administration proposed a rule change that would make it easier to permit oil and gas drilling operations in national forests. The move comes as a watchdog report reveals the oil and gas industry has been allowed to pay far less than usual to the government for the right to drill on public lands under a controversial Trump administration coronavirus relief policy. Furthermore, the administration is seeking to fast track environmental reviews of dozens of major energy and infrastructure projects during the COVID-19 pandemic, including oil and gas drilling, hazardous fuel pipelines, wind farms, and highway projects in multiple states.
Environment: The U.S. Fish and Wildlife Service issued a proposal that would allow the government to deny habitat protections for endangered animals and plants in areas that would see greater economic benefits from being developed — a change critics said could open lands to more energy development and other activities.
World: Secretary of State Mike Pompeo announced sanctions against two International Criminal Court officials -- the Trump administration's most aggressive move yet to try to deter an ICC investigation into possible war crimes by US military and intelligence officials.
World: How Donald Trump took down the Robert Mueller of Latin America: At the center of the story is an alleged quid pro quo between Donald Trump and Jimmy Morales, a former television comedian who was elected president of Guatemala.
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Weekly ACC Discussion Thread

7 Notre Dame (2-0) vs Wake Forest (0-2) – 12pm – ABC
Last Week: Notre Dame watched a clip from A Bronx Tale where they beat the ever-loving hell out of the bikers in a Mafia-run bar, they proceeded to act it out on the field. Somewhere deep in a bunker Lou Holtz cackled as the Irish racked up 281 yds on the ground and 6 TDs (he then proceeded to call Kelly a purple faced bad catholic). Wake Forest also racked up big offensive numbers, but that only matters so much when you give up 45 to a Dave Doeren team. Wake gave up essentially two 100-yd rushing efforts, which is like, not good or something.
This Week: Whew Wake has a rough schedule. Notre Dame does not need to pass well to beat them handily, so it’s highly likely this will be a paddlin’. Book will get yet another chance to demonstrate that he is a capable passer. Carlos Basham will lead Wake’s DL in attempting to slow down the big Irish ground attack. But if they allowed a lot on the ground to a Tim Beck offense…
Prediction: 49 – 17 Notre Dame
Edit: Covid wins again, booooo
Georgia Tech (1-1) at Syracuse (0-2) – 12pm – RSN (?)
Last Week: Georgia Tech came back to earth a bit as the Citronauts managed to pull away late. It’s hard not to like what Collins has done to the Bees though, as GT managed to drag UCFs powerful offense down to their level and make it a street fight for most of the game. Speaking of which, Dino has to be happy that the Orange (shouldn’t THEY be the ones playing the Citronauts?) managed to make a game of it with Pitt. This looks like a team that tries hard on defense but has absolutely nothing working on offense. Devito has been sacked more brutally than Rome by the Visigoths.
This Week: If this was still the Coastal then somehow Syracuse would win. Georgia Tech has played much better in both a win and a loss, and has more to play for. Syracuse meanwhile looks like they will vie for the coveted Bottom-Of-The-Barrel trophy with Duke. I see Sims having an up and down day with a few turnovers, but Georgia Tech is both more talented and a more balanced team.
Prediction: 28-6 Georgia Tech
24 Louisville (1-1) at 21 Pitt (2-0) – 12 pm – ACC Network
Last Week: Picket called the Panther’s offensive effort against Syracuse sloppy, and he is correct. But at this point it’s like wondering if a teenager’s room is sloppy, or if that’s just kind of who they are going to be as a human. Pitt racked up defensive stats, but only managed 21 points against perhaps the weakest ACC foe, which wasn’t helped by Bama’esque kicking. Louisville was haunted by the ghost of a ghost rider Bobby, whose defensive recruiting dragged them down to hell. Turns out if you can’t stop Miami from running you over repeatedly, they won’t stop doing it.
This Week: This may be the marquee matchup, and at the very least it’s a good bellwether game. Louisville defense vs Pitt Offense may be the stoppable force vs the moveable object. Which team can show reasonable improvement towards being a balanced team? I’m favoring the Cards, as I think Satterfield will mask their defensive issues better than Pitt can overcome their offensive issues.
Prediction: 28-26 Louisville
Duke (0-2) at UVA (0-0) – 4 pm – ACC Network
Last Week: Just call UVA an honorary member of the SEC, because they are just now starting football. Call Duke an honorary member of the Big12, because yeesh. Duke looks like they need everything to go right to win a single game, and having Chase Brice isn’t enough for that to happen right now.
This Week: UVA is a total unknown without Brice Perkins behind the wheel. I’m going to trust that Mendenhall has a strong defense, and that their offense will only work in fits and starts. Meanwhile, I have zero faith in Duke to show signs of life. They turned the ball over 5(!) times with 4(!) of those being in the red zone last week. That’s not a performance you can have against the Hoos and even compete.
Prediction: 24-9 UVA
Texas State (1-2) at Boston College (1-0) – 6 pm – RSN
Last Week: Starting your coaching career with a win has got to be fun. BC took advantage of a lot of Duke mistakes and turned what might have been a scrappy game into a blowout. BC has some Jurk from ND as their QB, and of course has a great connection to their TE.
This Week: Texas State has a potent enough offense to stick around with SMU and beat UTSA in double overtime. That’s not really anything to write home about, but it does mean they aren’t so bad that they might lose to say, Kansas. BC meanwhile looks like they have a more multiple offense, while also still packing a 245 lb running back. I think they bulldoze the Bobcats, and all the Bostonians start flooding this place talking about how wicked smaht Hafley is.
Prediction: 45-17 BC
Florida State (0-1) at 12 Miami (2-0) – 7:30 pm – ABC
Last Week: FSU lost to Covid. Seriously. Norvell will be watching remotely for this week’s matchup. Miami meanwhile turned into a Category 5 rushing attack, making Louisville look silly on defense. They also did decently on defense, but perhaps a level below what fan expectations were for the season.
This Week: Yikes. Seriously if James Blackman doesn’t have some sort of great insurance plan, he should look into one. FSU possessed an anemic offense against Georgia Tech, and they are unlikely to look better against the Canes. Much more interesting will be seeing a still talented FSU DL against Miami running backs. This could be a game where King needs to do something with his arm to propel the offense. I’m betting things get testy as Miami will want to run up the score.
Prediction: 42-6 Miami
NC State (1-0) at 20 Virginia Tech (0-0) – 8 pm – ACC Network
Last Week: Just as we all predicted, the championship of North Carolina runs through the Wolfpack (ignore my actual prediction, please). Ricky Person looked sharp and Hockman managed to pass efficiently, as the Pack finally got over the hump against the Deacons. Virginia Tech was busy plotting in the Hokie Stone mines.
This Week: I think this could be a fun matchup. Virginia Tech under Fuente has been all over the map, but they are a balanced team with a very good QB in Hooker. NC State is probably better on defense than the 42 they gave up to Wake, but they are clearly a team that can withstand a basketball on grass kind of game. I think VT let’s out some pent-up energy and carries the game late.
Prediction: 31-24 VT
Not Playing:
1 Clemson (2-0) – Well they did exactly what a Tiger is inclined to do to a bulldog – gut it entirely then take a nap. Trevor Lawrence’s sole incompletion was a drop on the first drive, and he continued to rack up absurd numbers while stealing rushing TDs from Etienne. Not much to note here other than minor concerns with the 2nd-5th string offense performing as well as Alabama did against the Citadel, and those guys clearly stink.
11 UNC (1-0) – UNC had it’s game with Charlotte cancelled due to Covid, and was unable to find a replacement on the fly. We will probably see a number of these throughout the ACC slate. Sam Howell will spend the week making sure every beard hair is perfectly groomed (there is a lot of pressure as an ACC QB to have perfect hair)
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[Week 6] Football Question Hotline

6Everything you wanted to know about football but were afraid to ask. Ask about any and all things college football here. There are no dumb questions, only plays you don’t know yet.
Serious questions only, please! Joke posts will be removed. Please do not downvote honest questions.
Got a more specific question or idea? Check out the weekly thread schedule for more:
Day Thread Time (ET) Additional Information
Monday MS Paint Monday Varies Theme varies week to week.
The Monday Morning Playoff Committee 12:00 PM A place for you to share playoff hypotheticals.
Betting Discussion Thread 1:00 PM Discuss spreads, oveunders, and prop bets for this week's games.
Tuesday Best of /CFB 10:55 AM Post your nominations for the best posts and comments' from this week on /CFB!
Weekly /CFB Poll Discussion 11:00 AM Discuss /CFB's own poll.
CFB Podcasts & Other Homegrown Media 11:00 AM Share links to and information about podcasts, shows, or material you've made yourself.
Pick 'Em Thread 12:00 PM Talk about your picks for the week.
Trivia Tuesday Varies Compete to win.
CFP Rankings Show 6:45 PM Will begin once the CFP rankings start.
CFP Committee Rankings 8:00 PM Will begin once the CFP rankings start.
CFP Rankings - Serious Discussion 8:00 PM Will begin once the CFP rankings start.
Wednesday Prediction 11:00 AM Make your predictions.
Dear CFB: Going to a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one!
Whose Line is it Wednesday* Varies
Thursday User-Friendly Bet 10:55 AM Put your flair where your mouth is.
TRASH TALK THURSDAY 11:00 AM YOU KNOW WHAT TO DO.
Friday Football Question Hotline 10:55 AM Got a football question? Get an answer.
Free Talk Friday 11:00 AM Tell us about you.
Saturday General Discussion: Talk Anything College Football Here! 8:00 AM A general space for chatter throughout the day and talk about non-ESPN Gameday style shows.
Today's Game Index Varies
ESPN's College Football Gameday 9:00 AM Share your signs.
Picture/Video/GIFs 9:00 AM Share pictures, highlights, and gifs from games throughout the day.
[Game Thread] Non-FBS Games 11:00 AM A place to discuss non-FBS games.
Featured Games Varies CFB_Referee posted.
/CFB After Dark - Late Night Discussion Thread 10:00 PM Late night college football.
Sunday Post-CFP Selections 9:00 AM Will begin once the CFP rankings start.
Serious Postgame Discussion Thread 10:55 AM A thread for serious discussion only.
Complain About Your Team 11:00 AM You know you're going to want to at some point.
AP Poll 1:55 PM Will be updated as the results come out.
/CFB Weekly Schedule 5:00 PM A thread with reminders about that week's upcoming threads, when weekly threads are, etc.
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I just hit 5,000 subscribers this morning, my channel has been up for almost 13 months. Here is my obligatory post...

I uploaded my first video on July 29, 2019
I got approved for monetization on December 16, 2019
I hit the 5,000 sub mark this morning (August 24, 2020)
I am not going to rehash on all the advice you've seen on this sub a million times. I will just try to say what I believe is important
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[Week 5] Football Question Hotline

Everything you wanted to know about football but were afraid to ask. Ask about any and all things college football here. There are no dumb questions, only plays you don’t know yet.
Serious questions only, please! Joke posts will be removed. Please do not downvote honest questions.
Got a more specific question or idea? Check out the weekly thread schedule for more:
Day Thread Time (ET) Additional Information
Monday MS Paint Monday Varies Theme varies week to week.
The Monday Morning Playoff Committee 12:00 PM A place for you to share playoff hypotheticals.
Betting Discussion Thread 1:00 PM Discuss spreads, oveunders, and prop bets for this week's games.
Tuesday Best of /CFB 10:55 AM Post your nominations for the best posts and comments' from this week on /CFB!
Weekly /CFB Poll Discussion 11:00 AM Discuss /CFB's own poll.
CFB Podcasts & Other Homegrown Media 11:00 AM Share links to and information about podcasts, shows, or material you've made yourself.
Pick 'Em Thread 12:00 PM Talk about your picks for the week.
Trivia Tuesday Varies Compete to win.
CFP Rankings Show 6:45 PM Will begin once the CFP rankings start.
CFP Committee Rankings 8:00 PM Will begin once the CFP rankings start.
CFP Rankings - Serious Discussion 8:00 PM Will begin once the CFP rankings start.
Wednesday Prediction 11:00 AM Make your predictions.
Dear CFB: Going to a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one!
Whose Line is it Wednesday* Varies
Thursday User-Friendly Bet 10:55 AM Put your flair where your mouth is.
TRASH TALK THURSDAY 11:00 AM YOU KNOW WHAT TO DO.
Friday Football Question Hotline 10:55 AM Got a football question? Get an answer.
Free Talk Friday 11:00 AM Tell us about you.
Saturday General Discussion: Talk Anything College Football Here! 8:00 AM A general space for chatter throughout the day and talk about non-ESPN Gameday style shows.
Today's Game Index Varies
ESPN's College Football Gameday 9:00 AM Share your signs.
Picture/Video/GIFs 9:00 AM Share pictures, highlights, and gifs from games throughout the day.
[Game Thread] Non-FBS Games 11:00 AM A place to discuss non-FBS games.
Featured Games Varies CFB_Referee posted.
/CFB After Dark - Late Night Discussion Thread 10:00 PM Late night college football.
Sunday Post-CFP Selections 9:00 AM Will begin once the CFP rankings start.
Serious Postgame Discussion Thread 10:55 AM A thread for serious discussion only.
Complain About Your Team 11:00 AM You know you're going to want to at some point.
AP Poll 1:55 PM Will be updated as the results come out.
/CFB Weekly Schedule 5:00 PM A thread with reminders about that week's upcoming threads, when weekly threads are, etc.
submitted by CFB_Referee to CFB [link] [comments]

[Week 4] Football Question Hotline

Everything you wanted to know about football but were afraid to ask. Ask about any and all things college football here. There are no dumb questions, only plays you don’t know yet.
Serious questions only, please! Joke posts will be removed. Please do not downvote honest questions.
Got a more specific question or idea? Check out the weekly thread schedule for more:
Day Thread Time (ET) Additional Information
Monday MS Paint Monday Varies Theme varies week to week.
The Monday Morning Playoff Committee 12:00 PM A place for you to share playoff hypotheticals.
Betting Discussion Thread 1:00 PM Discuss spreads, oveunders, and prop bets for this week's games.
Tuesday Best of /CFB 10:55 AM Post your nominations for the best posts and comments' from this week on /CFB!
Weekly /CFB Poll Discussion 11:00 AM Discuss /CFB's own poll.
CFB Podcasts & Other Homegrown Media 11:00 AM Share links to and information about podcasts, shows, or material you've made yourself.
Pick 'Em Thread 12:00 PM Talk about your picks for the week.
Trivia Tuesday Varies Compete to win.
CFP Rankings Show 6:45 PM Will begin once the CFP rankings start.
CFP Committee Rankings 8:00 PM Will begin once the CFP rankings start.
CFP Rankings - Serious Discussion 8:00 PM Will begin once the CFP rankings start.
Wednesday Prediction 11:00 AM Make your predictions.
Dear CFB: Going to a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one!
Whose Line is it Wednesday* Varies
Thursday User-Friendly Bet 10:55 AM Put your flair where your mouth is.
TRASH TALK THURSDAY 11:00 AM YOU KNOW WHAT TO DO.
Friday Football Question Hotline 10:55 AM Got a football question? Get an answer.
Free Talk Friday 11:00 AM Tell us about you.
Saturday General Discussion: Talk Anything College Football Here! 8:00 AM A general space for chatter throughout the day and talk about non-ESPN Gameday style shows.
Today's Game Index Varies
ESPN's College Football Gameday 9:00 AM Share your signs.
Picture/Video/GIFs 9:00 AM Share pictures, highlights, and gifs from games throughout the day.
[Game Thread] Non-FBS Games 11:00 AM A place to discuss non-FBS games.
Featured Games Varies CFB_Referee posted.
/CFB After Dark - Late Night Discussion Thread 10:00 PM Late night college football.
Sunday Post-CFP Selections 9:00 AM Will begin once the CFP rankings start.
Serious Postgame Discussion Thread 10:55 AM A thread for serious discussion only.
Complain About Your Team 11:00 AM You know you're going to want to at some point.
AP Poll 1:55 PM Will be updated as the results come out.
/CFB Weekly Schedule 5:00 PM A thread with reminders about that week's upcoming threads, when weekly threads are, etc.
submitted by CFB_Referee to CFB [link] [comments]

Welcome to /r/CFB! Here is your 2020 Rules Refresher & Information post!

Things are weird. Chaos Ball

Are you new here?

/CFB Ball
We would like to welcome you to the internet's tailgate, /CFB! We are a community of over 900,000 college football fans from all over the globe. There is just something about college football that grabs you and makes you want to scream at a TV, a ref, or - let's be real here - COVID-19 or 2020 in general.
Dumpster Fire
But even with all the bad in the world, there are countless CFB teams for you to root for - in the US and around the world. We guarantee you've got a college football team nearby. We do our best to cover them all.
Montmorency IPN Monash UFPR KIT Uppsala Umoja ESME-ESG Lagos Marines Canterbury (NZ) Nidaros Zlín 富山大学 (Toyama) 天津大学 (Tianjin) 동의대학교 (Eui) Sakarya
Once you have found a team to support you should consider picking up a flair to show your fandom and pride. /CFB has over 2,300 unique flairs to choose from. Make sure you choose a flair on a browser and not any reddit apps. /CFB currently has the ability for dual flairs. This allows you to show your fandom for two teams or your team and its conference, or even show your support for the Duke's Mayonnaise Bowl and wear a flair for your favorite bowl game!
So, yeah, things are weird this year. We're working with this as best we can.
Game Threads
Because things are so up in the air, for the moment we're going to have CFB_Referee post all of the game threads and post game threads. If things stabilize, we may revisit that later in the season, but for the moment that will help us ensure that everything stays accurate.
Useful Information
Here are some links you should visit...
We recommend you take a moment to read the rules and the post rules before posting so you don't violate one by accident. Look for threads already happening on a topic to add your take. Look for weekly threads (see below) to ask questions or share specific ideas. If you're not sure? Send us a modmail to ask!
How to View /CFB
There are many ways to view Reddit, and the one that we recommend and maintain the most is Old Reddit. If you're viewing from mobile web, Reddit Apps, or New Reddit, you'll still get all of the comments and posts, but it may not be as visually up to date.

Rule Refresher

Here at /CFB we have some pretty simple rules - you can read all of them here. We know we're seeing a lot of new faces around here, so this is especially important right now. For a refresher, here is a TL;DR of some of the important ones to keep in mind.
No racism, homophobia, sexism, rape jokes, victim blaming, or other bigotry.
Just no. Seriously. Discussing college football should never lead to this. Remember, this is a place to talk about football, that's it. One of the great things about /CFB is that it isn't the ESPN or AL.com comment sections. This also means no jokes about rape AND it means no using rape or rape scandals as flamebait.
No unrelated politics and keep related politics civil.
Yes, we know this is hard with everything going on right now and how politics are intersecting with college football more and more openly. Still, keep it on topic, related to college football, and keep it civil.
No content that seeks to deceive, misinform, or otherwise harm others, or to entertain the notion of such.
Please also avoid giving medical advice, even if you're a medical professional in real life.
No flair based downvoting.
The downvote button does not exist to put down teams you don't like, people you don't like, or opinions you don't like. Instead, use it to get rid of trolls or bad content. Downvoting just because of flair makes Coach Snyder sad. Don't make Coach Snyder sad.
No flamebait, personal attacks or harassment.
Have a good time on /CFB and be nice. No argument is worth getting into on the internet. We encourage strong debates and good discussion but if it ultimately comes down to "You are wrong, I am right" and name calling you will be banned. Examples, while not comprehensive, include instances like you calling someone an idiot, telling them you hope they die, claim all fans of X team are Y horrible thing... these are just a few examples of Rule 2 violations.
Tweets must be made as self-posts.
To cut down on Tweet-spam, all direct Twitter links will be removed.
No word-for-word pasting of paywall content.
We can't allow users to repost content from paid sites. There is a reason the paywall exists and writers deserve the money. Feel free to quickly summarize an article, though, or include a very brief quote. This also includes things like posting screenshots of the content or linking to sites that deliberately redirect around paywalls.
No stream links.
Reddit as a whole is cracking down on this. Do not link to illegal stream sites or to subreddits aggregating those links. Discussion about options like Hulu Live, You Tube TV, etc. are allowed, but keep in mind that generic requests for cord cutter options may be removed.
No which team/fanbase is X threads.
Threads designed to put down other teams or fanbases will be removed. We want posts that encourage positive discussion and debate, not collective hate. Example thread titles include "Which fanbase is most delusional?" and "Which team do you irrationally hate?"
No Buy, Sell, or Trade Posts/Comments
We just have no way to verify that people posting these classifieds aredoing or will do what they claim, so we're going to be removing any such threads.
Reporting
While this isn't a rule, it does help us make sure the rules get applied consistently. We can't be everywhere, so that means we need you to help out by reporting posts or comments that break the rules. You may have noticed the new options for reporting comments and submissions - hopefully this will make things easier! PLUS if you respond and break the rules yourself, you risk a ban. Just hit report and let us handle it.
Tweets
DON'T TWEET AT CROOTS.

Weekly Threads

Now that the season is beginning, weekly threads will be back up. We have at least one thread each day. Use them! Other threads that cover this information will be removed.
Please note, this may change depending on how things go.
Day Thread Time (ET) Additional Information
Monday MS Paint Monday Varies Theme varies week to week.
The Monday Morning Playoff Committee 11:00 AM A place for you to share playoff hypotheticals and your proposals to change the College Football Playoff.
Betting Discussion Thread 1:00 PM Discuss spreads, oveunders, and prop bets for this week's games.
The Monday Afternoon Conference Realignment Committee 2:30 PM Discuss your hypothetical Conference realignment scenarios and how they might play out!
Tuesday Best of /CFB 10:55 AM Post your nominations for the best posts and comments' from this week on /CFB!
Weekly /CFB Poll Discussion 11:00 AM Discuss /CFB's own poll.
CFB Podcasts & Other Homegrown Media 11:00 AM Share links to and information about podcasts, shows, or material you've made yourself.
Trivia Tuesday Varies Compete to win.
CFP Rankings Show 6:45 PM TBD
CFP Committee Rankings 8:00 PM TBD
CFP Rankings - Serious Discussion 8:00 PM TBD
Wednesday Prediction 11:00 AM Make your predictions.
Dear CFB: Going to or Watching a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one!
Whose Line is it Wednesday* Varies
Thursday User-Friendly Bet 10:55 AM Put your flair where your mouth is.
TRASH TALK THURSDAY 11:00 AM YOU KNOW WHAT TO DO. (AND DON'T FORGET TO ENABLE CRUISE CONTROL)
Friday Football Question Hotline 10:55 AM Got a question about strategy, elligibility, rules, or etc? Get an answer.
Free Talk Friday 11:00 AM Tell us about you.
Saturday General Discussion: Talk Anything College Football Here! 8:00 AM A general space for chatter throughout the day and talk about non-ESPN Gameday style shows.
Today's Game Index Varies
ESPN's College Football Gameday 9:00 AM Share your signs.
Picture/Video/GIFs 9:00 AM Share pictures, highlights, and gifs from games throughout the day.
[Game Thread] Non-FBS Games 11:00 AM A place to discuss non-FBS games.
Featured Games Varies CFB_Referee posted.
/CFB After Dark - Late Night Discussion Thread 10:00 PM Late night college football.
Sunday Post-CFP Selections 9:00 AM TBD
Serious Postgame Discussion Thread 10:55 AM A thread for serious discussion only.
Complain About Your Team 11:00 AM You know you're going to want to at some point.
AP Poll 1:55 PM Will be updated as the results come out.
/CFB Weekly Schedule 5:00 PM A thread with reminders about that week's upcoming threads, when weekly threads are, etc.
Due to volume of submissions, the threads for the AP Poll, and CFP Rankings will be posted automatically by CFB_Referee. The Coaches Poll however is open to being posted as links. Whoever posts first wins. Please be sure to link to the official websites for each poll. Duplicates will be removed.

Pre-Season Threads

Please note, this schedule is subject to change.
Day Thread Time (ET) Additional Information
8/24 Homegrown Media 1:00 PM Share your own writing, podcasts, etc.
8/25 Dear CFB: Going to or Watching a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one for any games this season.
8/26 College Fantasy Football 10:55 AM Discuss your college fantasy football threads. Note that any comments that relate to financial transactions may be removed.
8/27 Complain About Your Team 1:00 PM For the whole season.
8/28 Bold Predictions 11:00 AM For the whole season.
This year, we'll be doing pre-season threads on a conference by conference basis 1 week before they start play, so they'll be staggered across the next month or so.
Day Time Conference Thread
8/26 10:00 AM FCS Season Discussion
1:00 PM C-USA Season Discussion
3:00 PM Sun Belt Season Discussion
8/28 10:00 AM FCS Season Predictions
1:00 PM C-USA Season Predictions
3:00 PM Sun Belt Season Predictions
9/9 1:00 PM ACC Season Discussion
9/11 1:00 PM ACC Season Predictions
9/16 1:00 PM American Season Discussion
9/18 1:00 PM American Season Predictions
9/23 11:00 AM Big 12 Season Discussion
1:00 PM SEC Season Discussion
9/25 11:00 AM Big 12 Season Predictions
1:00 PM SEC Season Predictions

Final Thoughts

This season will be the weirdest in /CFB's history. A Hungry Cougar in the Rain
We've jumped to over 900,000 football fans with more joining every day. We continue to grow and push our outreach even farther, adding more CFB media coverage and outreach, new AMAs, and new options for our users. We're getting more and more new people being brought in by discussions of a much wider range of issues.
Stay safe. Touchdown
Order Ball Stay well.
Wash your hands. Houston Nutt
Nick Saban Watch your sources.
submitted by CFB_Referee to CFB [link] [comments]

[Week 3] Football Question Hotline

Everything you wanted to know about football but were afraid to ask. Ask about any and all things college football here. There are no dumb questions, only plays you don’t know yet.
Serious questions only, please! Joke posts will be removed. Please do not downvote honest questions.
Got a more specific question or idea? Check out the weekly thread schedule for more:
Day Thread Time (ET) Additional Information
Monday The Monday Morning Playoff Committee 12:00 PM A place for you to share playoff hypotheticals.
Betting Discussion Thread 1:00 PM Discuss spreads, oveunders, and prop bets for this week's games.
Tuesday Weekly /CFB Poll Discussion 11:00 AM Discuss /CFB's own poll.
CFB Podcasts & Other Homegrown Media 11:00 AM Share links to and information about podcasts, shows, or material you've made yourself.
Trivia Tuesday Varies Compete to win.
CFP Rankings Show 6:45 PM Will begin once the CFP rankings start.
CFP Committee Rankings 8:00 PM Will begin once the CFP rankings start.
CFP Rankings - Serious Discussion 8:00 PM Will begin once the CFP rankings start.
Wednesday Prediction 11:00 AM Make your predictions.
Dear CFB: Going to a Game Advice Thread 2:00 PM Ask for advice about going to a game or where to watch one!
Whose Line is it Wednesday* Varies
Thursday User-Friendly Bet 10:55 AM Put your flair where your mouth is.
TRASH TALK THURSDAY 11:00 AM YOU KNOW WHAT TO DO.
Friday Football Question Hotline 10:55 AM Got a football question? Get an answer.
Free Talk Friday 11:00 AM Tell us about you.
Saturday General Discussion: Talk Anything College Football Here! 8:00 AM A general space for chatter throughout the day and talk about non-ESPN Gameday style shows.
Today's Game Index Varies
ESPN's College Football Gameday 9:00 AM Share your signs.
Picture/Video/GIFs 9:00 AM Share pictures, highlights, and gifs from games throughout the day.
[Game Thread] Non-FBS Games 11:00 AM A place to discuss non-FBS games.
Featured Games Varies CFB_Referee posted.
/CFB After Dark - Late Night Discussion Thread 10:00 PM Late night college football. Will start again once the PAC-12 starts.
Sunday Post-CFP Selections 9:00 AM Will begin once the CFP rankings start.
Serious Postgame Discussion Thread 10:55 AM A thread for serious discussion only.
Complain About Your Team 11:00 AM You know you're going to want to at some point.
AP Poll 1:55 PM Will be updated as the results come out.
/CFB Weekly Schedule 5:00 PM A thread with reminders about that week's upcoming threads, when weekly threads are, etc.
submitted by CFB_Referee to CFB [link] [comments]

I am 53 years old, have a combined $210,000 annual income, live on Long Island, NY, and work as a Project Coordinator

First, I'm sorry this is so long. Second - please be nice. We have debt, bad habits, and are Catholic. So if any of those things are going to get you spun up, just skip this one.
Section One: Assets and Debt Use this section to explain your current financial picture at large.
Everything here is joint – “M” and I have been married 22 years and we’ve had “smashed money” that whole time (and really for about a year before that).
Retirement Balance (and how you got there): Approximately $500,000 in a variety of IRAs and current 401(k)s.
Equity if you're a homeowner (and how much you put down and how you accumulated that payment). Bought our house in 2001 for $239,000 with 20% down (some aggressive saving and a gift from each of our parents). We refinanced, took some cash out for some home repairs, and reduced it to a 15-year loan in 2009 – our current equity would be about $195,000, but similar homes in the neighborhood are listed at $475,000-$525,000, so if we ever sell, we’re probably coming out ahead.
Savings account balance: $6,000
Checking account balance: $6,500
Credit card debt (and how you accumulated it): I hope you’re sitting down. Approximately $40,000. Yes, you read that right. How we accumulated it? The house is 90 years old and constantly falling apart, so we’ve had to charge things that needed to be done (some we wanted to have done, but some – like the time our oil burner stopped working in December – were needs). We had two dogs with numerous medical issues – I don’t want to calculate what they cost me, but they each had surgeries that were about $5,000 (each), plus other chronic and acute medical issues. And yes…for a while, we were doing and buying things we probably shouldn’t have (not bad things, just vacations, clothes, and non-essential home improvements) So…when I’m 100 and greeting people at Wal-Mart, I’ll at least have some good memories. That said, I can’t tell you the last time I used credit – if we can’t afford to pay cash, we don’t do it (and I say that fully realizing most people would feel that I shouldn’t do anything).
Student loan debt (for what degree): None – my husband went to the military and then to work after high school and I went back to community college later in life and paid as I went.
Anything else that's applicable to you: If my ex-husband dies before me, I’ll have about $6,000 in a money market that he must have forgotten about. When we divorced, he was supposed to liquidate all those accounts and give me half. He was an accountant and a SOB, so I never knew exactly what we had, but what I got seemed accurate (it paid for furniture, my wedding to M and part of this house, so I was OK with it). Lo and behold, a couple years ago, I found out we still have this money market account in both names. I tried to find him so we could liquidate/split it, but he’s missing. I get the statements here now, and the good part is he’s older than me, so I’m holding out hope he predeceases me and it will be mine.
Section Two: Income
Income Progression: I've been working in my field for a year and a half, my starting salary was $100,000. I did a salary story with the entire progression – long story short, I’ve made more, and I’ve made less, but this is probably about the average of the last five years.
My husband has been at his job for 14 years – he started there making around $75,000 and now makes $110,000. They usually give him a $10,000 bonus at the end of the year, but are always crying poverty if people ask for a raise. Prior to that, he worked for a company that paid very well and he had a 15-minute commute, but he got out one step ahead of their bankruptcy.
Main Job Monthly Take Home:
Me: $5,152
J: $6,230
Side Gig Monthly Take Home:
M is paid $1,300/month by our parish for serving as Youth Minister.
Any Other Monthly Income: $16.00
I get quarterly dividends on stock I was given when I was born (I may not have been born into money, but apparently my grandparents had friends who thought this was a good baby gift). The last few were around $50, so I divided by 3.
Section Three: Expenses
Rent / Mortgage / HOA fees (please specify how you split it if living with a partner): $3,043, which includes the property taxes and homeowner's insurance
Savings contribution: $500/month without fail (my bank transfers $100 if we get over $500 in, so once each paycheck and once when we put the church check in). More if I feel the savings needs a boost.
Debt payments:
Donations: OK – anyone who isn’t screaming because I owe $40K is going to start now.
Electric: $110
Gas (stove/hot water): $50
Oil: $250/month in the winter
Wifi/Cable: $179
Cellphone: $252 for both of us (I get mine expensed except $26 for my phone payment)
Subscriptions:
Car payment / insurance: $295/month for my car (leased). My husband is driving a 10-year old car that is paid off. $128/month for auto insurance
Lawn care: $50/month
Commuting: Now that we’re in COVID times, I’ve been buying a 10-trip off peak railroad ticket every five days for $78.75. Pre-COVID, M and I each bought a monthly ticket for $270, and I took the subway most days for an additional $100/month. I fill up the car about once a month (~$36) and M fills his about every other week (~$70/month)
Saturday, September 26, 2020
7:45 am: Up and at ‘em! I get up, get coffee, check emails and social media and start the day.
8:00 am: M leaves the house for a long list of errands, the payment for which will be shown below. I put in a load of laundry and discover…a leak! There is a large pipe between our powder room sink (which I used when I woke up) and the outside world that runs through the basement and is apparently leaking. Yay whee. If you get one thing from this diary, let it be these words of wisdom – don’t buy an old house! No beautiful feature is worth the aggravation! I get the water (I hope it’s water) cleaned up, a load of laundry in, take a shower, do some picking up around the house, get dressed in a Rangers t-shirt and cut off distressed jeans, do my makeup (Olay microsculpting serum and Miracle Blur over the bottom of my face, pink, gray, and violet eyeshadows, a swipe of foundation under my eyes, black eyeliner, black mascara, and dark brown eye pencil. This is standard everyday makeup for me and will be repeated each day. I put volumizing mousse in my hair and blow dry it (also routine).
In the meantime, M gets a haircut ($30 including tip), sets up the video equipment at church, goes to CVS for passport photos that he needs for an application ($18.87), and goes to the religious goods store for a book of the Liturgy of the Hours ($42.31). He is starting formation for the diaconate (the process of becoming a Deacon in the Catholic Church) today, and they said he’ll need that book. He also needs the photos for his application, and he stops at the bank for two money orders – one to send with the background check request and one for his high school transcript ($26). On the way home, he picks up breakfast (brunch?) for us – classic New York BEC, SPK (bacon, egg, and cheese on a roll with salt, pepper and ketchup) for him and egg whites, turkey and swiss cheese on a whole wheat wrap for me ($10.78), as well as cigs for him and vape cartridges for me ($36).
The washing machine isn’t causing any additional leakage, so I move the wash to the dryer and start moving the winter clothes from the portable closet in front of the leaking pipe upstairs (they’re not wet, but we’re going to have to move the closet when the plumber comes).
After eating the egg sandwiches, we get changed for deacon class – I look like a good church lady in black slacks, a black and white flowered shirt with a black tank underneath, and black sandals with a chunky 2.5” heel. M goes with the classic golf shirt and dockers. While we’re getting changed, he mentions he needs new underwear, so I whip out the phone and order him some ($18.64).
6:30 pm: Home from deacon class and Mass and the groceries show up! I ordered them yesterday, but I don’t think the charge went through till today, so here goes. Asparagus, broccoli, celery, bananas, cucumber, lime, grape tomatoes, peaches, carrots, potatoes, spinach, lettuce, zucchini, frozen burgers, ground turkey, chicken breasts, whole chicken, fried chicken and a pot pie for J’s lunches, yogurt, sugar free pumpkin spice creamer (YES! I’ve been looking for it for weeks!), milk, heavy cream, OJ, k-cups, frozen green beans, cauliflower rice, stuffing mix, microwave rice, cake mix (the good ones were on sale), chicken broth, potato chips, and trash bags. Spent $154.95 including delivery, saved $14.50 (very low for me), tipped the delivery guy $10.
7:00 pm: After putting away all that food, what do we do? If you guessed order dinner, you’d be right! I don’t cook on Saturday unless we’re having company. We order from a new taco place – three each and “Mexican wings”. The wings were meh, but the tacos ranged from good to outstanding. $53.78 including tip. After dinner, M starts post-production of the Mass video and I do some laundry, watch the NASCAR race and the hockey game, and play games on my iPad. Remember, you’ll be old someday too!
11:00 pm: I go to the basement to pick up laundry and remember I wanted to order a new garden flag (this isn’t as random as it sounds – all my seasonal decorations are stored in the basement). I have had a cart set up for days with two garden flags ($6.99 each) and four magnetic mailbox covers for my parents for Christmas ($11.99 each) – they’ve talked about having a different one for each season, and I saw them when I was looking for a garden flag. Total with tax and free shipping: $61.94. I love Christmas and generally spend way too much on gifts so I’m trying to start shopping before December and at least spread out the pain. We went to a crafts fair a few weeks ago and I picked up a few things and now I’ve got this done – go me!!
12:30 pm: The hockey game is over (2 OT!) and I go to bed. M is napping waiting for his video production to finish.
Daily Total: $463.27
Sunday, September 27
7:00 am: The alarm goes off – ugh. It’s the first day of Religious Ed (virtual, but I have to do a 9:45 zoom with my 4th graders). Coffee, social media, shower, dress, makeup. Put on a black eyelet dress because we’re going back to church today so M can videotape First Communion. Do the usual makeup/hair thing.
10:30 am: My 4th graders are great and we’re ready to roll (M has on a shirt and tie in honor of the First Communion), and we’re off to Mass. Drop off the food I bought for our food pantry last week and help him video. Of course, the kids are adorable!
12:00 noon: We’re starving after church, so we stop at our favorite local pizza place on the way home. Get a variety of slices for $22.62, including a tip (we’re getting it to go, but I’m tipping everywhere, because I know restaurants have been hurt badly by the pandemic. These folks are in NYC and still haven’t opened inside dining.)
1:30 pm: Ate, ran more laundry, changed into the jeans I wore yesterday and a Yankees t-shirt and call the nail place. Of all my expenses, nails are probably the most non-negotiable – I’ve been getting my nails done for 40 years, and when I couldn’t do so during the lockdown, I was miserable. They can take me right away, which makes me happy.
3:00 pm: All 20 nails done – gel on the fingers and a regular pedicure with callus removal ($75 plus $15 tip = $90). I went with an autumn theme and got copper on the fingers and bronze toes – the nail polish looked in the jar like it would match the toes, but it doesn’t. Stop at CVS for eye cream (Olay for tired eyes) and mascara (L’Oreal Voluminous) - $27 with coupons. M asked me to pick up cigs on the way home, so I do, as well as vape cartridges, which I don’t technically need yet, but it will save a trip later in the week ($36).
3:30 pm: While at the nail place, I saw that one of our favorite local restaurants had a fire, which consumed an entire block of restaurants and small businesses. The Chamber of Commerce is doing a GoFundMe, and I donate $25 to the cause - $28.75 including the charge. I also notice that the weekly charge for my church donation went through ($75).
11:30 pm: Took a quick nap (the highlight of my week every week), put some fall decorations out, had our family Zoom call, laundry, got the end of the winter clothes moved upstairs, had dinner (roast chicken, stuffing, mashed potatoes, and roasted asparagus), made an apple crisp (I’m not a huge dessert person but M is and I like making desserts, so it works), watched baseball, football, the NASCAR race, and basketball, and took a quick shower. Bring a Light & Fit Toasted Coconut Vanilla yogurt (the best!) to bed, finish my book (“Next Stop, Chancey”) and find the next in the series on my iPad – I’ve read them all before, but I’m in the mood for something cozy, especially after reading about the Current Occupant’s taxes – ugh!) , and turn off the lights around midnight.
Daily Total: $279.37
Monday, September 28
6:45 am: I work from home M/W/F and so I can sleep in. Relatively speaking, anyway. Get dressed in a sleeveless top and shorts (despite the fall decorations, fall nails, and roast chicken/apple crisp, it feels rather summery out there), do makeup, have some coffee and scroll through emails/socials, move yet another load of laundry (I’m trying to get it all done before the plumber comes), find the number for the plumber and give it to M to call, get the trash out, and boil some eggs for breakfast this week. I’m sitting in front of the computer by 8:15, which is ok (technically, my hours are 8:30-5:30 – it’s usually more like 8:30-6:00, and on WFH days, starting at 7:30 is not unheard of). M drops off the car at the shop – I think I forgot to mention this, but he mentioned yesterday that when he was driving around Saturday, there was a grinding noise when he backed up. More joy to come, I’m sure.
9:45 am: I hear M on the phone with the garage – apparently, they can get a used part and do the job for $450. Not great, but it’s better than it might have been! He works from home basically every day except when he has to see customers, but thankfully we’re separated enough that we can hear each other but it’s not intrusive.
10:30 am: Between cursing at people on the phone, M calls the plumber and I grab some cheese and more coffee! I’d tell you about my job, but honestly, it’s not worth talking about. Basically, I go to meetings, take notes on meetings, and send follow-ups (I do other things, but that’s most of it). When I get off my 11:00 am meeting, I’ll find out when the plumber is coming. You guys are getting a much more exciting week than I expected!
12:30 pm: What a miserable day – it seems like everyone is annoyed! Take a break to eat a slice of leftover pizza and a Diet Coke (M finishes some rotisserie chicken from last week). He says the plumber may come today to look at the situation but can’t do the work till tomorrow.
6:00 pm: Keep my head down and get some work done in the afternoon and knock off for the day. Run downstairs and make dinner – “tacos” with strips of beef grilled with Korean barbecue sauce, shredded cabbage, cheddar cheese, pineapple salsa, cucumber slices, and lime inside warmed tortillas. Delicious, if I say so myself!
7:30 pm: I get on a Zoom faith sharing meeting and M gets on a Zoom religious ed class.
11:59 pm: Contemplated Sunday’s Gospel with my small group, watched Tampa Bay win the Stanley Cup, took a shower and set clothes out for tomorrow, and off to bed. M picked up the car after Religious Ed.
Daily Total: $450.00
Tuesday, September 29
5:45 am: Ugh. Up and out – I’m wearing a green dress with a black jacket and have black slingbacks in my bag. I have to walk 30 short blocks and five long blocks once I get off the train, so I’m traveling light. I used to take the subway to my office, but since COVID, I try to limit that as much as possible.
7:45 am: Off the railroad and walk uptown. I actually don’t mind the walk, because when I WFH, I walk very little – at the beginning of the lockdown, I had a nice walking routine, but lately the work seems to start the minute I wake up, so walking to work takes care of getting in those STEPS! I forgot my boiled eggs and I’m starving, so I end up buying an egg sandwich. $5.43
12:30 pm: Because I only go to the city twice a week and I have to walk uptown with all my work stuff, I don’t bring lunch often (pre-pandemic, I used to bring breakfast and lunch every day, but I also took the subway). Decide to run to Pret and my boss and co-worker both ask me to pick something up. Of course, no one (including me) has anything but a $20, so they both say they’ll get me next time. I get my favorite chicken parm wrap and a Diet Coke. $32
12:45 pm: I look at my personal email and discover that J’s car registration needs to be renewed. Hop on the DMV website and take care of that. $158.50. I also realize I never took out the sausages for tonight’s dinner and call M to ask him to do so. He mentions the plumber has still not shown up.
5:45 pm: Leave a little early to get to the Fed Ex office and make my train home. I’m a little later than I’d like to be and it’s raining, so I get the subway, which is thankfully empty, reasonably clean, and quick. $2.75
7:15 pm: M picks me up at the train station and mentions that he was so busy working that he didn’t take the sausages out. He asks me what I want to eat and we end up at Wendy’s. Cheeseburger, fries, and (surprise, surprise) a Diet Coke. He gets the same thing, but bigger. $19.75
11:30 pm: Avoid the debate by watching the Yankees pound the Indians. Usual routine (plus ironing a shirt for J, because he has to go to a customer tomorrow) and off to sleep. I’m up to Book 3 in the Chancey series, for those keeping score.
Daily Total: $218.43
Wednesday, September 29
5:30 am: Double ugh. Woke up to use the bathroom and couldn’t get back to sleep, so here we are. Get dressed (long-sleeved Yankees t-shirt, straight leg jeans), do the face, have some coffee, and try to avoid the fact that my boss sent me an email at 11:00 pm last night looking for changes to a document, which I said I would do today. Get the trash out, pick up a little around the house, and get to work by 7:00. OH, and despite the lack of plumber and his lack of general motivation, M moved the plastic closet…in front of the washing machine! Glad I bought him underwear, because I won’t be doing laundry any time soon. Now I’m wondering if he looked at the menu (I am an obsessive meal planner and post it on the fridge weekly) and that’s why he didn’t take the sausages out – he’s avoiding zoodles! He can run but he can’t hide – I have zucchini and I’m going to spiralize it sooner or later!
8:00 am: The document my boss needed is out, the agenda for our 9:00 am meeting is done, the morning emails are sorted (for now), and I got a link to our parish survey up on the Facebook page, so I make an egg and cheese on a tortilla and eat at my desk.
12:50 pm: Wednesday is conference call hell – I have recurring calls every Wednesday at 9:00, 10:30, and 11:30, and the added fun today of a 10:00. There’s also a webinar every Wednesday that I try to tune into. Grab some chips and a Diet Coke and go check it out.
2:15 pm: Still no damn plumber, but I’ll let M worry about that when he’s home tomorrow. My garden flags arrived, so that’s good. Hoping to get out and put the pumpkin one out before it gets dark, but the way today is going, that might not actually happen. However, I realize I never put dinner in the crockpot. Luckily, it only takes 3-4 hours on high, so I take care of that. It’s Tuscan Chicken with sun-dried tomatoes and spinach. By 2:30, I’m back at my desk with another Diet Coke and hard at it. Nightmares of rescheduling meetings, missing documents, etc.
6:45 pm: Still at my desk! OK, I took some time to send an email to the parish webmaster about the survey, update this, and read the R29 money diary of the day. But overall, I’ve been working with no apparent end in sight – I could easily be here all night, but I won’t be because (a) I’m falling asleep at my desk and (b) I have a 7:30 Religious Ed teachers meeting. Hopefully I won’t fall asleep during that. Make a list of things for my boss and I to review tomorrow and finish prepping dinner.
7:15 pm: Dinner was delicious – we had the chicken with rice for M and cauliflower rice for me, sautéed broccoli, and a basic salad (bagged spring mix, cherry tomatoes, cucumber). Now off to Zoom!
11:45 pm: The Yankees game is still on, but I’m showered, my clothes are set out for tomorrow, and I’m fading. Turn off the light and hope for a win.
Daily Total: $0.00 (bet you didn’t see that coming!)
Thursday, October 1
5:45 am: You know it…ugh. Get up, coffee, very quick scroll through the Yankees score/e-mail/social media. Get dressed in a black v-neck sweater, black and gray plaid skirt, and black jacket (not the same one I wore the other day). Am grateful the skirt fits – I gained some weight and am trying to resist buying clothes. Make sure I have the right shoes in my bag – I’m wearing high-heeled gray suede Mary Janes today.
8:15 am: At my desk and ready to go – I remembered to bring 2 hard-boiled eggs today, which I eat with coffee while looking through emails.
12:30 pm: Call after call after call, but I have a half-hour to eat. Run to the fancy buffet place that just re-opened for 2 meatballs, brussels sprouts, broccoli, salad, and the inevitable Diet Coke ($15.75). Manage to eat before my 1:00 pm call – go me!
3:30 pm: Leave to go to a job site and pick something up that has to be shipped to Italy. Something that's almost as tall as me, but thankfully not heavy. Taxi down there because I’m in a hurry and I can get reimbursed ($14.04, including tip), expensed.
4:00 pm: I get a cab to the Fed Ex office – thankfully the first one I see is a minivan, so I fit in just fine ($12.74, including tip), expensed.
5:30 pm: Well, that was harder than it needed to be – the Fed Ex office I went to didn’t have a box that would fit the item, so they suggested another Fed Ex office about 6 blocks away, so I had to walk through midtown Manhattan carrying an object almost as tall as me (it's 5' long and I'm 5'3" tall) while dodging oblivious people. Thankfully, the other office had my box, and they were super-sweet and helpful, but it took them forever to get it done. Bought the box and bubble wrap, which will be expensed (I brought the Fed Ex label, but I don’t remember the account number) ($43.54). Get a nice early train home, though!
6:45 pm: Wow, we’re eating when I’m usually getting the train! Cheeseburgers, tots (tater for J, cauliflower for me), green beans, and vinegar coleslaw with the end of the shredded cabbage. Get the kitchen cleaned and the dishwasher run and settle in to watch the Jets – I’m not holding out much hope, but you never know!
11:30 pm: I’ve showered, set out clothes for me and M (he’s seeing customers tomorrow), I prepped for Youth Group, which I’m leading because he’ll be working, and the Jets are winning, so I decide it’s time to sleep. Up to Book 5 of the Chancey series. I find series usually go downhill after about the third or fourth book, but I’m not sure what I feel like reading, so here we are. OH, at some point M must have gone to the convenience store, because there are vape cartridges on the table ($36).
Daily Total: $122.07; $70.32 expensed
Friday, October 02, 2020
6:00 am: Wake up, grab coffee, find out the Jets lost after all, do the morning e-mail/social media scroll. Leaving early to deal with that work errand has left me with a ton of stuff to do, so I get dressed (long-sleeved v-neck gray t-shirt, white tank because the v-neck is halfway to my belly button, dark wash skinny jeans), put out the trash, peel two hard-boiled eggs, and head to my desk.
12:30 pm: As always, call after call after call. Plus a bit of aggravation when my boss asks me at 10:30 for an agenda for the 11:00 call, which I sent him at about 7:30, and which he returns at 10:59 with the formatting looking like nothing on earth. Yay whee! And a project was mentioned that he forgot to tell me I’d do. So in case I thought I’d have nothing to do (that never happens on Fridays), that’s not happening. Anyway, between calls, I run downstairs for the lunch of champions – a Hot Pocket and a Diet Coke. Just that kind of day.
6:15 pm: Realize I have to run Youth Group at 7 and I haven’t even done my haimakeup. Get that done, heat up some frozen cauliflower rice/broccoli/cheese combination and add some leftover chicken. With a green salad on the side, surprisingly yummy.
8:15 pm: I am not a good youth leader…couldn’t get anyone talking about the subject of the day, which I thought would be a good one. I did make them laugh a few times, so that’s something.
M is going to have some expenses because he went to see customers today, but I don’t know what they are and his company will reimburse him, so I’m just leaving them out.
Daily Total: $0.00
This is the Week That Was:
Food + Drink: $326.06
Fun / Entertainment: $108 (if people can put drugs in as entertainment, I’m putting our nicotine in)
Home + Health: $61.94
Clothes + Beauty: $165.64
Transport: $638.03 (some of it will be expensed)
Other: $234.47
Lastly, reflect on your diary! How do you feel about your spending? Was this a normal week for you? Has this inspired you to make changes or has it given you a “wow I’m doing pretty good” confidence boost? Is there anything you’re actively working on? No need to answer any or all these questions but just use this space to write any thoughts you have!
This was a fairly normal week except for the car breaking and needing to be registered – we're saving some now that we WFH more because M will not bring food from home, but I used to bring breakfast and lunch at least four days a week. I know we should make changes, but I also know we don’t want to – honestly, if you looked at the way I lived 15 years ago, I’ve made a lot of changes already. We’re working on the credit cards – I’ve gotten rid of several already (paid off, not just moved balances around) and we don’t use them at all anymore (I can honestly say I don’t remember the last thing I charged). The bad news is that M’s car is on its last legs, and so I see car payments in our future. Hopefully, he’ll get something used – we have my car when we want to look good going somewhere (mine isn’t super-fancy, it just wasn’t hit by a bus and full of stuff for his job).
OH, and the plumber still hasn’t shown up! But that will be for next week’s expenses.
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Sharp And Public Betting College Football Week 12 Into The Weekend with BetDSI

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